HARLEY DAVIDSON CUSTOMER FUNDING CORP
8-K, EX-23.1, 2000-11-17
ASSET-BACKED SECURITIES
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                                                                    Exhibit 23.1

                     HARLEY-DAVIDSON MOTORCYCLE TRUST 2000-3
                      BALANCE SHEET AS OF NOVEMBER 13, 2000


<TABLE>
<S>                                                         <C>
Assets -- Cash............................................  $1,000
                                                            ======
Liabilities...............................................  $    0
                                                            ======
Beneficial Equity.........................................  $1,000
                                                            ======
</TABLE>


                           NOTES TO THE BALANCE SHEET

         Harley-Davidson Motorcycle Trust 2000-3 is a limited purpose business
trust established under the laws of the State of Delaware. It was formed on
November 9, 2000 under a trust agreement dated as of November 1, 2000 between
the depositor and the trustee. The activities of the trust are limited by the
terms of the trust agreement to acquiring, owning and managing loan contracts
and related assets, issuing and making payments on notes and certificates and
other related activities. Prior to and including November 15, 2000, the trust
did not conduct any activities.

         The depositor will pay all fees and expenses related to the
organization and operations of the trust, other than withholding taxes, imposed
by the United States or any other domestic taxing authority. The depositor has
also agreed to indemnify the indenture trustee and trustee and certain other
persons involved in the sale of notes.


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